UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G


                    Under the Securities Exchange Act of 1934

                              (Amendment No. 28 )*
                                      ------------

                             Synovus Financial Corp.
--------------------------------------------------------------------------------
                                (Name of Issuer)

                          $1.00 Par Value Common Stock
--------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                   87161C-10-5
                                   ------------
                                 (CUSIP Number)

                                December 31, 2002
--------------------------------------------------------------------------------
             (Date of Event which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
         |X| Rule 13d-1(b)
         |_| Rule 13d-1(c)
         |_| Rule 13d-1(d)

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).







                                Page 1 of 9 pages






                                      13G

CUSIP No.  87161C-10-5
--------------------------------


1          NAME OF REPORTING PERSONS
           I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (entities only)

           Synovus Financial Corp., as Parent Holding Company of its various
           banking and trust company subsidiaries, Columbus Bank and Trust
           Company, as the Parent Bank of Synovus Trust Company, N.A., and
           Synovus Trust Company, N.A., in various fiduciary capacities.

2          CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
            (a) [ ]
            (b) [X]

3          SEC USE ONLY



4          CITIZENSHIP OR PLACE OF ORGANIZATION

           Synovus Financial Corp. and Columbus Bank and Trust Company are
           Georgia Corporations. Synovus Trust Company is a nationally chartered
           trust company.

Number of         5       SOLE VOTING POWER
Shares
Benefi-                      38,403,075
cially Owned
By Each
Reporting
Person With
                  6       SHARED VOTING POWER

                               840,464

                  7       SOLE DISPOSITIVE POWER

                             50,038,579

                  8       SHARED DISPOSITIVE POWER

                                951,578

9          AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
               51,697,360
              (Includes Beneficial Ownership disclaimed)

10         CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES
           [   ]


11         PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

                 17.2%

12         TYPE OF REPORTING PERSON

              BK and HC

                                   Page 2 of 9
                                 ------- -------






                                                                    Page 3 of 9


                        SCHEDULE 13G UNDER THE SECURITIES
                              EXCHANGE ACT OF 1934

Check the following box if a fee is being paid with this statement. [ ]

1. (a) Name of Issuer: Synovus Financial Corp.
                       -------------------------------------------

         (b) Address of Issuer's Principal Executive Offices:

                  One Arsenal Place
                  ----------------------------------------------
                  901 Front Avenue, Suite 301
                  ----------------------------------------------
                  Columbus, Georgia 31901
                  ----------------------------------------------

2. (a) & (b) Name and Principal Business Office of Persons Filing:

                  Synovus Financial Corp., One Arsenal Place, 901 Front Avenue
                  --------------------------------------------------------------
                  Suite 301, Columbus, Georgia 31901
                  --------------------------------------------------------------
                  Columbus Bank and Trust Company, 1148 Broadway
                  --------------------------------------------------------------
                  Columbus, Georgia    31901
                  --------------------------------------------------------------
                  Synovus Trust Company, N.A.,  1148 Broadway
                  --------------------------------------------------------------
                  Columbus, Georgia   31901
                  --------------------------------------------------------------
         (c)      Citizenship:

                  Synovus Financial Corp. is a Georgia business corporation
                  --------------------------------------------------------------
                  and its banking and trust company subsidiaries, including
                  --------------------------------------------------------------
                  Synovus Trust Company and Columbus Bank and Trust Company, are
                  --------------------------------------------------------------
                  Georgia, Florida, Alabama, Tennessee and national banking
                  --------------------------------------------------------------
                  corporations and trust companies.
                  --------------------------------------------------------------

         (d)      Title of class of securities: $1.00 par value common stock.
                                                --------------------------------

         (e)      CUSIP No. 87161C-10-5
                           ---------------------------------------

3. Check whether person filing is a:

         (a) [ ]  Broker or Dealer registered under Section 15 of the Act

         (b) [X]  Bank as defined in section 3(a)(6) of the Act







                                                                     Page 4 of 9



         (c)[ ]   Insurance Company as defined in section 3(a)(19)
                  of the Act

         (d)[ ]   Investment Company registered under section 8 of
                  the Investment Company Act of 1940

         (e)[ ]   Investment Adviser in accordance with ss. 240.13d - 1(b)(1)
                  (ii)(E)

         (f)[ ]   An employee benefit plan or endowment fund in
                  accordance with ss. 240.13d-1(b)(1)(ii)(F)

         (g)[X]   A parent holding company or control person in
                  accordance with ss. 240.13d-1(b)(ii)(G) (Note: See
                  Item 7)

         (h)[ ]   A savings association as defined in Section 3(b)
                  of the Federal Deposit Insurance Act (12 U.S.C. 1813)

         (i)[ ]   A church plan that is excluded from the
                  definition of an investment company under section
                  3(c)(14) of the Investment Company Act of 1940 (15
                  U.S.C. 80a-3)

         (j)[ ]   Group, in accordance with ss. 240.13d-1(b)(1)(ii)(J)

4. Ownership:

         (a)      Amount Beneficially Owned (Includes shares as to which
                  beneficial ownership is disclaimed):

                  December 31, 2002        51,697,360
                  ------------------------------------------------------

         (b)      Percent of Class: 17.2%
                                   -------------------------------------

         (c)      Number of shares as to which such person has:

                 (i)   Sole power to vote or to direct the vote

                             38,403,075
                       ---------------------------------------------------
                 (ii)  Shared power to vote or to direct the vote

                                  840,464
                       ---------------------------------------------------
                 (iii) Sole power to dispose or to direct the disposition of

                                50,038,579
                       ---------------------------------------------------








                                                                     Page 5 of 9



                 (iv)  Shared power to dispose or to direct the disposition of

                                951,578
                       --------------------------------------------------------

   For an additional discussion on this item, see Exhibits "A", "B" and "C"
 attached hereto.


5. Ownership of Five Percent or Less of a Class.


          Not Applicable
          -----------------------------------------------------------

6. Ownership of More than Five Percent on Behalf of Another Person.


          See Exhibit "B"
          -----------------------------------------------------------


7. Identification and Classification of the Subsidiary Which Acquired the
   Security Being Reported on By the Parent Holding Company.


          See Exhibit "C"
          -----------------------------------------------------------

8. Identification and Classification of Members of the Group.


          Not Applicable
          -----------------------------------------------------------


9. Notice of Dissolution of Group.


          Not Applicable
          -----------------------------------------------------------

















                                                                 Page 6 of 9



10.  Certification. By signing below I certify that, to the best of my knowledge
     and belief, the securities  referred to above were acquired and are held in
     the ordinary  course of business and were not acquired and are not held for
     the purpose of and do not have the effect of changing  or  influencing  the
     control of the issuer of the  securities  and were not acquired and are not
     held in connection with or as a participant in any transaction  having that
     purpose or effect. After reasonable inquiry and to the best of my knowledge
     and belief,  I certify that the  information set forth in this statement is
     true, complete and correct.

                                                SYNOVUS FINANCIAL CORP.



January 30, 2003                              By:/s/G. Sanders Griffith, III
--------------------------                       -------------------------------
Date                                             G. Sanders Griffith, III
                                                 Senior Executive Vice President



                                                COLUMBUS BANK AND TRUST
                                                 COMPANY



January 30, 2003                              By:/s/James D. Yancey
--------------------------                       -------------------------------
Date                                             James D. Yancey
                                                 Chairman of the Board



                                                SYNOVUS TRUST COMPANY, N.A.




January 30, 2003                              By:/s/George G. Flowers
--------------------------                       -------------------------------
Date                                             George G. Flowers
                                                 President







                                                                     Page 7 of 9

                                   EXHIBIT "A"
                                   -----------

   In addition to the securities identified in the response to Item 4, as

of December 31, 2002, the banking and trust company subsidiaries of Synovus

Financial Corp. possessed neither sole nor shared voting or investment power in

connection with 7,145,501 shares of the class of securities which is the subject

of this report which were held in various agency, custody, safekeeping or asset

management capacities, or with brokers, for various agency, custody, safekeeping

or asset management customers. Such securities are not included in the response

to such item in this report. However, appropriate disclosures will be included

in all future reports to identify the volume of such securities held in agency,

custody, safekeeping, asset management or other capacities in which they possess

neither sole or shared voting or investment power. See Exhibit "C".










                                                                     Page 8 of 9

                                   EXHIBIT "B"
                                   -----------

   As of December 31, 2002, Synovus Trust Company, N.A., a wholly-owned

trust company subsidiary of Columbus Bank and Trust Company, a wholly-owned

banking subsidiary of Synovus Financial Corp., all of which are signatory

parties hereto, possessed in various fiduciary capacities, the right to receive

or the power to direct the receipt of dividends from, or the proceeds from the

sale of 50,463,436, or 16.8%, of the class of the securities which is the

subject of this report, as set forth below, the beneficial ownership of which is

disclaimed. The other known persons having, in various fiduciary capacities, the

right, as of December 31, 2002, to receive or the power to direct the receipt of

dividends from, or the proceeds from the sale of, the class of securities which

is the subject of this report, are other banking and trust company subsidiaries

of Synovus Financial Corp. as identified in Exhibit "C", the beneficial

ownership of which securities is disclaimed. None of such other subsidiaries, as

of December 31, 2002, individually or in the aggregate, possessed such right or

power relating to more than five percent of the class of securities which is the

subject of this report.

   Held by Synovus Trust Company in various fiduciary capacities as of

 December 31, 2002:

     Sole                 Shared             Sole Power           Shared Power
 Voting Power          Voting Power          To Dispose           To Dispose
 ------------          ------------          ----------           ------------
  37,357,272             708,925             49,168,364           834,101





                                                                     Page 9 of 9

                                   EXHIBIT "C"
                                   -----------

         Identified below are the subsidiaries of Synovus Financial Corp. and
its wholly-owned banking subsidiary, Columbus Bank and Trust Company, as of
December 31, 2002 which held, in various fiduciary capacities, the class of
securities which is the subject of this report.


(1) Synovus Trust Company, a nationally-chartered trust company subsidiary of
    Columbus Bank and Trust Company.

(2) Synovus Trust Company (Florida), a Florida trust company subsidiary of
    Synovus Trust Company.

(3) The National Bank of South Carolina, a banking subsidiary of Synovus
    Financial Corp.

(4) Synovus Trust Corp., an Alabama trust company subsidiary of Synovus
    Financial Corp.

The respective beneficial ownership by those subsidiaries of Synovus Financial
Corp. that held, as of December 31, 2002, the class of securities which is the
subject of this report is identified below.

(1)      Synovus Trust Company, Synovus Trust Company (Florida), Synovus Trust
         Corp. (Alabama), and The National Bank of South Carolina maintained in
         various fiduciary capacities as to which they possessed sole voting
         power, 37,357,272; 675,400; 40,616; and 329,787 shares, respectively,
         and as to which they possessed sole dispositive power, 49,168,364;
         648,129; 40,616, and 181,470 shares, respectively, of the class of
         securities which is the subject of this report, the beneficial
         ownership of which is disclaimed.

(2)      Synovus Trust Company, Synovus Trust Company (Florida), and The
         National Bank of South Carolina maintained in various fiduciary
         capacities as to which they possessed shared dispositive power,
         834,101; 25,974 and 91,503 shares respectively and as to which they
         possessed shared voting power 708,925; 203 and 131,336 shares,
         respectively, of the class of securities which is the subject of this
         report, the beneficial ownership of which is disclaimed.

In addition to the foregoing, and as referenced in Exhibit "A" hereto, on
December 31, 2002, Synovus Trust Company, a trust company subsidiary of Columbus
Bank and Trust Company, Synovus Trust Company (Florida) a trust company
subsidiary of Synovus Trust Company, and The National Bank of South Carolina, a
banking subsidiary of Synovus Financial Corp., maintained in various agency,
custody, safekeeping or asset management capacities, or with brokers, for
various agency, custody, safekeeping or asset management customers:7,027,468;
82,686 and 35,347 shares, respectively, or an aggregate of 7,145,501 shares, of
the class of securities which is the subject of this report.